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UPS Union Issues
New TEAMCARE deductibles
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<blockquote data-quote="Bagels" data-source="post: 1135069" data-attributes="member: 43436"><p>The prescription benefit has also changed. But thus far, all that's been released is a limited summary of the new TEAMCARE plan. We have no idea what co-pays/co-insurance charges will be for things such as urgent care visits, mental health, etc. And even the prescription drug coverage is sketchy -- 100% (it says 10%, we assume 100%) up to $50 per prescription at CVS but 100% through CVS mail-order seems very strange. One of my prescriptions cost several hundred dollars per month and is not eligible for mail order -- I question the $50 maximum in-store payment, given that even the most restrictive formularies will pay half. My guess is that what TDU, some some locals, have posted is nothing more than a rough draft.</p><p></p><p>In any event... sans the deductible, any additional fees incurred by TEAMCARE vs. the current PT plans may be avoided with some hassle. Prior to implantation of the PPO in 2008, we had a traditional insurance plan that was far more costly to us than what we currently enjoy, or will be changing to with TEAMCARE. Interestingly, it seems most people upset with the minor changes have low seniority. If presented the no-cost TEAMCARE option over their current insurance, I'd bet 97-99% of Americans would accept it... and yet there are some people on here acting like a $200 deductible is murder. I'm not understanding.</p></blockquote><p></p>
[QUOTE="Bagels, post: 1135069, member: 43436"] The prescription benefit has also changed. But thus far, all that's been released is a limited summary of the new TEAMCARE plan. We have no idea what co-pays/co-insurance charges will be for things such as urgent care visits, mental health, etc. And even the prescription drug coverage is sketchy -- 100% (it says 10%, we assume 100%) up to $50 per prescription at CVS but 100% through CVS mail-order seems very strange. One of my prescriptions cost several hundred dollars per month and is not eligible for mail order -- I question the $50 maximum in-store payment, given that even the most restrictive formularies will pay half. My guess is that what TDU, some some locals, have posted is nothing more than a rough draft. In any event... sans the deductible, any additional fees incurred by TEAMCARE vs. the current PT plans may be avoided with some hassle. Prior to implantation of the PPO in 2008, we had a traditional insurance plan that was far more costly to us than what we currently enjoy, or will be changing to with TEAMCARE. Interestingly, it seems most people upset with the minor changes have low seniority. If presented the no-cost TEAMCARE option over their current insurance, I'd bet 97-99% of Americans would accept it... and yet there are some people on here acting like a $200 deductible is murder. I'm not understanding. [/QUOTE]
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